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How much is car insurance in Salina?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Salina is about $13 cheaper than it is in the rest of Kansas.
Likewise, car insurance rates in Salina are often favorable when viewed against the rest of the country. Car insurance rates for the United States as a whole are, on average, $37 more expensive than the rates you'd pay in Salina.
Keep in mind that while these are the average car insurance rates for Salina, it isn't guaranteed that it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
We've analyzed the average rate for Salina and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay $44 more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. Salina drivers may see their rates creep back up once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. This is true in Salina, where male drivers pay about $8 more per month. As you can see in the table above, male drivers in the area typically pay $49 on average, while female drivers typically pay $41 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Salina with one accident will pay around $49 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $67.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$136|
|15 Years or Older||$41|
In Salina, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $36 per month to insure their vehicle.
Car owners can expect to pay an average of around $44 a month for their policy, while SUVs usually cost around $52 a month to insure.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Salina are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$45|
More often than not, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Salina can be as much as $7 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$43|
Another factor taken into consideration is your living accommodations. Homeowners and renters alike can expect to pay about $41 per month for coverage in Salina.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
Car Insurance Companies in Salina, KS
Recent trends in car insurance for Salina drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The rates for car insurance in Salina had been increasing from 2017-2018, when they hit a high of $65. This pattern leveled out in 2019, when they began to decrease, and have continued to do so through the present, where policy premiums finished at $36 a month.
How does Salina compare to neighboring areas?
Why are car insurance rates in Salina different from other areas?
Car insurance companies take in many factors when deciding how much individual insurance policies will cost. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Amount of off-street parking
- General road safety (how many accidents each locality has)
- Rate of crime
- Total number of drivers
- Community regulations
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Salina?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Salina.
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Salina Insurance FAQs
What factors affect car insurance quotes in Salina?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Salina different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Salina?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Salina?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Salina or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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